Based on your results, you may wish to explore:
- Income Protection
Provides a regular monthly income if you’re unable to work.
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Finding the right mortgage is about more than securing a competitive rate. The structure of your mortgage — from the term and repayment type to flexibility and fees — can have a lasting impact on your finances.
At Prudell, we take the time to understand your circumstances and goals before comparing options from across the market, ensuring your mortgage is aligned with both your current needs and future plans.
We start by reviewing your income, deposit, and overall affordability to understand how much you may be able to borrow and what type of mortgage could suit your circumstances. This gives you a clear, realistic starting point before committing to a property.
We compare mortgage products from across the market, clearly explaining the differences between fixed, variable, and other options, so you understand how each one works and what may suit you best.
Using your circumstances and future plans, we recommend a mortgage that fits your budget, lifestyle, and long-term goals — not just the lowest headline rate on the day.
When you’re ready to proceed, we manage the full mortgage application for you, handling paperwork and liaising with lenders and solicitors to keep everything progressing smoothly.
Once your mortgage offer is issued, we support you through to completion, providing clear updates and guidance at every stage of the process.
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Our support doesn’t stop at completion. As your circumstances change, we’re here to review your mortgage options and ensure your mortgage continues to work for you over time.
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Get a clear understanding of how much you could borrow and what your monthly repayments may look like.
Explore mortgage options that suit your current circumstances and future plans.
Not sure which mortgage type is right for you? We’ll explain your options clearly.
We’ll search across the market to find a mortgage that works for you — not just the lowest rate.
We’ll manage the application and handle the paperwork on your behalf.
Below are some common mortgage types you may want to consider when applying for a new mortgage. Your Prudell adviser will explain how each option works and help you choose a mortgage that suits your circumstances, both now and in the future.
The interest rate is fixed for a set period, helping you budget with confidence and protect against rate increases.
The rate moves in line with a set benchmark, such as the Bank of England base rate, meaning payments can rise or fall over time.
A mortgage where the interest rate can change at the lender’s discretion, offering flexibility but less certainty over payments.
Links your mortgage to your savings, allowing you to reduce the interest you pay while retaining access to your money.
A mortgage taken out with another person, combining incomes to potentially increase borrowing power.
Monthly payments cover interest only, with the loan balance repaid at the end of the term using an agreed repayment strategy.
A mortgage is a long-term commitment, and it’s important to consider how you would manage your payments if your circumstances were to change. Insurance protection can help provide financial security and peace of mind if the unexpected happens.
Your Prudell adviser can review your existing cover and discuss whether any additional protection may be appropriate for your current situation.
Pays a tax-free lump sum if you’re diagnosed with a serious condition (e.g. cancer, stroke, heart attack).
Provides monthly income if you can’t work due to illness or injury. Very useful for first-time buyers with limited savings.
Low-cost life cover that pays a monthly income to your dependants if you die. Helpful for young families planning ahead.
Provides a lump-sum payout if you pass away. Helps ensure your partner, family, or estate can repay the mortgage.
Get a clear understanding of how much you could borrow and what your monthly repayments may look like.
Explore mortgage options that suit your current circumstances and future plans.
Not sure which mortgage type is right for you? We’ll explain your options clearly.
We’ll search across the market to find a mortgage that works for you — not just the lowest rate.
We’ll manage the application and handle the paperwork on your behalf.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Understand the risks of major life events before retirement and the possible financial consequences if your income were affected. This assessment will provide guidance on the appropiate insurance protection to consider.
Likelihood
Likelihood
Likelihood
Likelihood
Based on your results, you may wish to explore:
Provides a regular monthly income if you’re unable to work.
These results are illustrative and based on general statistical data. They are not a quotation or personalised advice. Suitable cover and premiums will depend on your individual circumstances and insurer underwriting. Please speak to a Prudell adviser for tailored guidance.
Explore your options in protecting your mortgage commitment.
This is an indicative estimate only. Results are based on the details you provide and typical market assumptions. Availability, terms, and costs may vary following underwriting. This calculator does not provide advice. For a personalised, FCA-compliant review, speak to Prudell.
How much can you save with a mortgage refinance?
This is for capital + interest mortgages only.
This calculator provides estimates only and does not constitute a mortgage offer or financial advice. Figures are based on the information you provide and assumptions that may change. Your actual mortgage options, interest rate, fees, and savings may differ. Speaking to a Prudell adviser will allow us to assess your circumstances and provide personalised advice.
Find the best deals on the market from over 50 lenders.
Based on your details, here are some suitable mortgage options for you.
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Rates shown are indicative and based on current market averages. Actual rates will depend on lender criteria and individual circumstances. To get more information to see the actual products with the named lenders, compare fees properly, and learn which is best for you, get in touch with a Prudell adviser.
Sign up with our partner Dashly, and stay informed with the best rates.
Your mortgage shouldn’t be set and forgotten, many people forget this and end up overpaying. We’ll monitor it for you — and let you know when action is worth taking.
Before buying a property, see how much Stamp Duty is due.
These results should be accurate. Rates last updated on 10.12.25
Get an estimate on how much can you afford to borrow according to lenders.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates).
Estimate how much you could borrow based on income.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates). Use the Mortgage Affordability tool for a 'lender-style' check.
Compare repayment, Retirement Interest Only, and lifetime mortgage options to understand your monthly payments, total interest, and longer-term impact. Adjust the figures to explore how different borrowing types could affect your costs over time.
Interest-only mortgages do not repay capital.
These results are for illustration only and are based on the information entered. Actual lender terms, interest rates and compounding methods may differ. Property growth is assumed at 2.5% per year for illustration and is not guaranteed. For personalised advice and precise figures, please speak to a Prudell adviser.
First-time buyer
95
5.00
First-time buyer
90
4.40
First-time buyer
85
4.20
First-time buyer
75
4.10
New Mortgage
90
4.50
Remortgage
90
4.35
Remortgage
75
4.15
Last Updated: 18/01/26
First-time buyer
95
5.50
First-time buyer
90
5.10
New Mortgage
90
5.00
Remortgage
75
4.60
Last Updated: 18/01/26
Buy-to-Let
90
5.30
Buy-to-Let
75
5.10
Buy-to-Let
60
4.90
Last Updated: 18/01/26
Buy-to-Let
90
5.75
Buy-to-Let
75
5.35
Buy-to-Let
60
5.05
Last Updated: 18/01/26
0.12
0.30
0.55
Last Updated: 18/01/26
Note:
Low/Fee-Free
0
0
0
0
0
Higher rate, minimal upfront cost
Standard
999
0
0
0
-0.10
Typical fee buys a small discount
Premium
1495
0
0
500
-0.20
Lower rate, higher fee, cashback offsets
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Short-term flexibility
Standard
499
0
0
0
-0.05
Slightly lower rate
Incentivised
999
0
0
500
-0.10
Tracker / discounted variable
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common for first-time buyers
Standard
999
0
0
0
-0.10
Most mainstream products
Cashback
1495
0
0
500
-0.20
Higher fee, lower rate
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often used as short-term solution
Standard
499
0
0
0
-0.05
Discounted variable
Cashback
999
0
0
500
-0.10
Less common but exists
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often lender-assisted switch
Standard
999
0
0
0
-0.10
Typical remortgage
Cashback
1495
0
0
500
-0.15
Cashback ≠ full rate buy-down
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common short-term remortgage
Standard
499
0
0
0
-0.05
Discounted tracker
Cashback
999
0
0
500
-0.10
Incentivised but cautious
Last Updated: 27/01/26
Low/Fee-Free
1499
0
0
0
-0.15
Most BTL products
Standard
1999
0
0
0
-0.25
Lower rates for higher fees
Cashback
2499
0
0
500
-0.30
Portfolio / professional landlords
Last Updated: 27/01/26
Low/Fee-Free
999
0
0
0
-0.10
Tracker / SVR discount
Standard
1999
0
0
0
-0.20
Lower margin products
Cashback
1999
0
0
500
-0.20
Less common but valid
Last Updated: 27/01/26